838 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 838 Scott St, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 983 sqft · built 1875
Lot Size	0.021 acres (933 sqft)
Owner	Owner Name on File
Last Sale	$147,000 (Aug 2007)
Tax Bill	$1,628 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`854-23-16-010.35`

Property Details

APN / Parcel Number

Primary APN	`854-23-16-010.35`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	983 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1875
Exterior Material	Brick
Foundation Type	Stone
Lot Area	933 sqft (0.021 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	8542316010.35
Street Address	838 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-2446
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	EMERY ROWHOUSE PHASE 2 UNIT 838 933 SF 1ST FLOOR AND 442 SF 2ND FLOOR
Legal Subdivision	EMERY ROWHOUSE CONDOMINIUM
Legal Phase	2
Legal Lot Number	838
Legal Unit	838
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2029
Census Tract	67000

Owner

Source: Kenton County records · APN 854-23-16-010.35

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	838 SCOTT ST, COVINGTON, KY 41011-2446
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 08, 2007 · Amount on Record
Deed Sale	Aug 08, 2007 · Amount on Record
Deed Document Number	0003469282
Deed Book / Page	3469 / 282
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	838 SCOTT ST, COVINGTON, KY 41011-2446
Transaction Type	Mortgage
Record Updated	Aug 30, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900437
Date	Aug 17, 2021
Book Page	258/315
Instrument	21081705900437

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,628.00 (-0.55%)	$122,900 (-) Building $122,900	$122,900 (-) Building $122,900
2023	$1,637.00	$122,900 Building $122,900	$122,900 Building $122,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 656 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.